What Are The Requirements For Bank Personal Loans?

Requirements to apply for a Best bank loan

The conditions for obtaining Best bank personal loans are very similar to those of the other credit institutions, united by the conditions established by the Bank of Italy: the contractor must be aged between 18 and 70, even if the maximum limit can be some financial products be greater or lesser.

An essential clause is to possess a repayment capacity, demonstrable through the presentation of a paycheck, a pension slip or a tax return. Therefore, employees, self-employed and pensioners can apply for a loan with Best bank.

In reality, despite the presence of demonstrable income, Best bank will also evaluate the presence of other monthly commitments, such as the payment of a rent, utility bills or other installments to be paid by the applicant.

In the event that you do not have a paycheck or you have too many monthly commitments, the request may still be advanced but must be strengthened by the presence of a third party, the guarantor, who undertakes in turn, presenting the same documents, upon payment of the installments in the event of insolvency by the applicant.

The TAN calculated for all Best bank personal loans is fixed, but its size varies according to the financial product chosen. Stamp duty of $ 16 and costs for sending ordinary communications of $ 1.00 are expected.

Best bank loan offers

Best bank is completely at the service of the needs of its customers, demonstration are the multiple financial products designed to solve every kind of daily task.

The main financial products conceived by Best bank all pass under the name of QuickCash, to underline the speed of the processing of the files and are divided into Mini, Dynamic, Compact and Top, to identify both the amount that is needed and the characteristics of refund you want to choose.

QuickCash Mini is the financial product of Best bank that can be requested by individuals who have not reached the age of 75 at the end of the loan. Despite being a non-finalized loan, Best bank makes it possible to purchase all the assets except this property through this loan, just as restructuring or investments cannot be carried out.

The amount requested must be between $ 1,000 and $ 3,000, which will be reimbursed between 18 and 36 months. The interest rate is fixed for the entire duration of the loan, and details will be provided in the estimate phase at the dedicated agencies.

QuickCash Dynamic is the personal loan designed to meet the costs that commonly have to be incurred by a family, except, as is expected for QuickCash Mini, for the purchase of properties, renovations and investments.

The Dynamic personal loan has the characteristic of being very flexible thanks to the possibility of activating three options during the repayment: the installment jump, the installment change and the loan top-up.

The amount that can be requested through this financial product is between $ 3,000 and $ 30,000 to be repaid over a period of between 36 and 84 months.

The rate remains fixed for the duration of the entire loan, but in case of “loan top-up” the rate is recalculated by making the weighted average between the rate applied up to that moment and the rate in force at the time of the top-up request.

QuickCash Premium is a loan through which Best bank rewards punctual customers in the payment of installments by cutting the interest rate from year to year.

This personal loan is aimed at all consumers who want to fulfill their wishes and who are accustomed to paying installments in a fair manner.

As with QuickCash Mini and Dynamic, even with Compact, liquidity cannot be used for the purchase of properties, investments and renovations.

The amount obtainable is between $ 3,000 and $ 30,000 to be repaid in 36 or 84 months. By paying the loan installments punctually, you can receive a bonus that reduces the interest rate by 1% per year and also, in the estimate phase, you can select the rounded installment that will remain more simply in memory.

QuickCash Compact is dedicated to those who intend to carry out a debt consolidation operation. All consumers who have ongoing loans, both from the Best bank institution and from third parties, can request QuickCash Compact, to bring together in a single installment and therefore in a single deadline, the sum of the amounts of all the ongoing loans by adding liquidity to face family or personal expenses. In this way, in addition to dealing with a single contact, you can also have the cash you need to sleep peacefully.

The amount that can be requested through the QuickCredit Compact product is between $ 3,000 and $ 50,000, repayable in a period of time between 36 and 120 installments.

The interest rate is fixed for the entire period of the loan. The contractor also has the option of choosing an installment with a rounded amount so that it can be easily memorized. Again, liquidity cannot be used for investments, property purchases or renovations.

QuickCash Top is the financial product that offers the possibility to request and receive large amounts.

The amount payable is between 31,000 and 75,000 $ and all consumers can request it. The repayment takes place in a period between 36 and 120 months, also having the opportunity to round the installment, in order to be able to remember it easily.

Money cannot be spent on property purchases, investments or renovations: there are dedicated products for them.

How to apply for a loan

On the official portal of Best bank Banca there is no possibility of making an online quote nor of requesting an online loan: the only possibility offered by the lending institution is the request for more information regarding the chosen financial product. In this case you will have to fill in a form with all the personal data and the email and telephone numbers, to which you will be contacted by a consultant who will make arrangements to establish an appointment directly at the branch.

In any case, once you reach the branch, if the intention is to request a personal loan, it will be better to be provided with all the necessary documentation, or the personal documents of the applicant and possibly of the guarantor, the income documentation and possibly also that of the guarantor, and finally an account of all the expenses that are incurred monthly.

Delivery and refund

Usually the appointment is followed by a call from the financial advisor, within 24 working hours, which informs about the outcome of the request. If the request is successful then liquidity will be immediately transferred to the contractor’s bank account.

The reimbursement takes place by direct debit on the applicant’s current account and has a monthly frequency. The installments begin to be repaid after 30 days from the disbursement of the liquidity.

Conclusions

The solutions provided by Best bank Banca to meet the needs of every type of consumer are truly manifold: from small desires to big dreams Best bank will be the ideal, reliable and safe partner to turn to at any age.